RetIQ iOS Goes Modular: Buy Only the Retirement Planning You Need

No two retirement plans are the same — and no two people care about the same parts of planning. A freelancer navigating self-employment tax doesn’t need estate modeling. A couple securing survivor income doesn’t need the Roth optimizer. For years, the iOS app made everyone pay one price for everything, whether they used it or not.

That changes today. RetIQ for iOS is now modular — designed so you can fine-tune your experience and buy only the features that represent real value to you.

The new Modules storefront — browse, buy, and unlock exactly what you need.

Start free — and it’s genuinely useful

The free version is potent. You get core planning inputs, the full projection and Monte Carlo simulation, and — new in this release — the RetIQ AI Guide is now free on every tier. Ask about Social Security timing, Roth conversions, IRMAA, or stress testing, and the Guide answers with your plan in context. No purchase required.

Essentials — the module most users want

For most people, one module is enough: Essentials. It unlocks full input control across every section, the complete dashboard (Strategy Report, Insights, Maximum Spending), scenarios, relocation, What-If Explorer, Portfolio Flow, and export. If you want the full planning tool, Essentials is where you start — and for many, it’s where you’ll stop.

Then add only what’s interesting to you

Beyond Essentials, each feature lives in a $9.99 module you buy only if it matters to you:

• Roth & Tax Optimizer — conversions, the optimizer, Tax-Aware Drawdown, and capital gains harvesting
• Healthcare & Medicare — ACA subsidies, Medicare & IRMAA, long-term care, SSDI
• Survivor Planning — Three Futures, Robust vs. Fragile, and planning for a surviving spouse
• Self-Employment & Business — SE tax, QBI, Solo 401(k), Mega Backdoor Roth
• Legacy & Estate — legacy goals, life insurance, charitable giving, inherited IRAs

A freelancer might add Self-Employment. A couple planning for one partner’s death might add Survivor. A high earner with a big pre-tax balance might add the Roth Optimizer. Nobody pays for features they’ll never open.

Or unlock everything — for less than the parts

If you want it all, the Full Unlock remains a single one-time purchase — and it’s about 7% cheaper than buying the pieces separately. Buy the bundle and be done, or buy a la carte and pay only for what you use. Either way, no subscription, no recurring cost.

Retirement planning shouldn’t be one-size-fits-all. Now it isn’t. Start free, add Essentials, and layer on the modules that fit your life — on iPhone, iPad, and Mac.